And now the pause has ended…… 3 years ago student loan payments were put on pause due to COVID but now they are coming back. We discuss that and other programs still in the works on this weeks episode. 

And now the pause has ended…… 3 years ago student loan payments were put on pause due to COVID but now they are coming back. We discuss that and other programs still in the works on this weeks episode.

Episode 146 - Ready or not: here comes student loan payments!

Today we discuss the difference between credit unions and banks. The pros and cons of each one and why you might decide to go with one over the other. 

Today we discuss the difference between credit unions and banks. The pros and cons of each one and why you might decide to go with one over the other.

Episode 145 - The Difference Between Credit Unions and Banks

There have been stories in the news recently that mortgage fees are going up for people with high credit and decreasing for people with low credit. Today we dive in to report on what is actually happening, what the click-bait news titles get wrong, and how this might impact you. 

There have been stories in the news recently that mortgage fees are going up for people with high credit and decreasing for people with low credit. Today we dive in to report on what is actually happening, what the click-bait news titles get wrong, and how this might impact you.

Episode 144 - Mortgage Fees are Going Up?

On this weeks episode we talk about setting up a budget or checking in on your budget using tracking tools and the high level 50/30/20 advice to get you started in the right direction. 

On this weeks episode we talk about setting up a budget or checking in on your budget using tracking tools and the high level 50/30/20 advice to get you started in the right direction.

Episode 143 - Budgeting 50/30/20 Advice

This week we talk about using a 401k/403b to save for retirement. We discuss contribution limits for the plans, what percentage you should be saving as well as where you should be at with your current savings. Tune in for all things retirement!

This week we talk about using a 401k/403b to save for retirement. We discuss contribution limits for the plans, what percentage you should be saving as well as where you should be at with your current savings. Tune in for all things retirement!

Episode 142 - How to get the most out of your 401k Retirement Savings

With inflation rates going up it can be hard to feel like your dollar is going as far even if you are trying to save. Today we discuss how we feel the pinch but also how we’ve pulled some levers to make sure we can still save the money we want to while battling rising costs. 

With inflation rates going up it can be hard to feel like your dollar is going as far even if you are trying to save. Today we discuss how we feel the pinch but also how we’ve pulled some levers to make sure we can still save the money we want to while battling rising costs.

Episode 141- Lifestyle Inflation vs Inflation Rate

We are back after a hiatus that lasted over a year and well a lot has changed!! We run through some of the changes and set the stage for ALL the things we want to talk about in the future. We’re so happy to be back, we hope you’re ready to journey with us again &lt;3

We are back after a hiatus that lasted over a year and well a lot has changed!! We run through some of the changes and set the stage for ALL the things we want to talk about in the future. We’re so happy to be back, we hope you’re ready to journey with us again &lt;3

Episode 140 - We're Back!

On this weeks episode we discuss what our actual spending was in 2021, if we were happy with it and what area’s we expect to cut back on in 2022. 

On this weeks episode we discuss what our actual spending was in 2021, if we were happy with it and what area’s we expect to cut back on in 2022.

Episode 139 - 2021 Annual Spending

This week we chat about the importance of medium-term money and how investing can help you generate wealth for the long run!

This week we chat about the importance of medium-term money and how investing can help you generate wealth for the long run!

Episode 138 - Investing for the Medium Term 

From impulse purchases to collecting pokemon cards who told you to buy that? We all end up with items and often there's a lot of marketing behind the scenes to get us to buy specific products. As we try to be aware of these items, we can combat the urge to impulse spend and save thousands of dollars a year, literally, and that's pretty rad.

From impulse purchases to collecting pokemon cards who told you to buy that? We all end up with items and often there's a lot of marketing behind the scenes to get us to buy specific products. As we try to be aware of these items, we can combat the urge to impulse spend and save thousands of dollars a year, literally, and that's pretty rad.

Episode 137 - Who Told You to Buy That?

I listened to 4-5 episodes and the information is great. But they seem very “holier than thou” to me about other people’s decisions and I find myself rolling my eyes multiple times during the show because of it. I listened to one episode and she said about her coworkers “Why do you guys even have furnaces? We have not even thought about turning ours on.” Good for you guys, but some people don’t want to feel uncomfortable in their own home. 

I love listening/reading/watching all things personal finance, but it’s called PERSONAL finance. I don’t need to feel more judged about a decision I make as long as I can afford it.  I wish they were less judgey, because I really do love what they talk about.

Ugh I tried

This podcast is one of the best financial podcasts around. They always keep it entertaining and fun. I wish Brett would get a trivia question right every once and a while, but I guess you can’t have everything :) Keep up the good work!

Great Podcast

Money In The Bank

A couple years ago we moved from a single family home back to a small apartment and in that process we intentionally got rid of many material possessions that we no longer had the space for. As we've transitioned to a more minimalist lifestyle we've continued to donate various items that no longer serve our needs. We look back on what we got rid of, how we feel after getting rid of everything and what items we ultimately miss. 

A couple years ago we moved from a single family home back to a small apartment and in that process we intentionally got rid of many material possessions that we no longer had the space for. As we've transitioned to a more minimalist lifestyle we've continued to donate various items that no longer serve our needs. We look back on what we got rid of, how we feel after getting rid of everything and what items we ultimately miss.

Episode 117 - Downsizing our Stuff: 

It sounds counter-intuitive to what we usually talk about on the podcast but I promise it’s not click-bait! I’ve crunched the numbers and analyzed both strategies heavily so today I answer the long-time question of whether or not you should pay off your mortgage early. Tune in to hear why we chose to payoff our mortgage as well as why we changed our strategy and are better off for it!

It sounds counter-intuitive to what we usually talk about on the podcast but I promise it’s not click-bait! I’ve crunched the numbers and analyzed both strategies heavily so today I answer the long-time question of whether or not you should pay off your mortgage early. Tune in to hear why we chose to payoff our mortgage as well as why we changed our strategy and are better off for it!

Episode 62 - Don't Pay Off Your Mortgage

This week join us as we chat about how we structure finances as a married couple and how we communicate around big and small purchases. 

This week join us as we chat about how we structure finances as a married couple and how we communicate around big and small purchases.

Episode 118 - Finances as a Married Couple

An Investment Policy Statement sounds scary &amp; fancy but really it’s something that everyone should have. Whether it’s simply a few lines jotted down on a piece of paper, or a more well-thought out plan - it helps make sure you are comfortable and confident with your investment plan no matter what the market does. 

An Investment Policy Statement sounds scary &amp; fancy but really it’s something that everyone should have. Whether it’s simply a few lines jotted down on a piece of paper, or a more well-thought out plan - it helps make sure you are comfortable and confident with your investment plan no matter what the market does.

Episode 108 - What is an Investment Policy Statement?

What does it really mean to afford something? Is it simply enough if you have the money in the bank or is it bigger then that? Tune in this week as we discuss how to afford the bigger things in life and achieve your long-term goals. Plus hear Brett yell at me for complaining about thermodynamics......I still stand by my opinion - coffee cups should be better insulated especially if I'm paying for it!This weeks challenge is to track your expenses for one week and see how much you spend per day. Then see if you can spend less than us ;)

What does it really mean to afford something? Is it simply enough if you have the money in the bank or is it bigger then that? Tune in this week as we discuss how to afford the bigger things in life and achieve your long-term goals. Plus hear Brett yell at me for complaining about thermodynamics......I still stand by my opinion - coffee cups should be better insulated especially if I'm paying for it!This weeks challenge is to track your expenses for one week and see how much you spend per day. Then see if you can spend less than us ;)

Episode 54 - Can I afford this?

What’s the difference between an FSA and an HSA anyway? What are pros and cons of each one? Join us as we chat about these two savings vehicles and we’ll explain what they are, who might benefit from using them, and why you should use them!

What’s the difference between an FSA and an HSA anyway? What are pros and cons of each one? Join us as we chat about these two savings vehicles and we’ll explain what they are, who might benefit from using them, and why you should use them!

Episode 73 - HSA vs FSA

This episode is a bit different than our usual so buckle in and get ready for a rant. We discuss various spending categories and why it’s important to keep an open mind when you are starting to make budget cuts. Instead of immediately thinking it would be impossible to spend a lower amount each month why not set a goal to spend 5% less in a category than the month before? All these baby steps add up and after all, a Millionaire is Made $10 at a time.

This episode is a bit different than our usual so buckle in and get ready for a rant. We discuss various spending categories and why it’s important to keep an open mind when you are starting to make budget cuts. Instead of immediately thinking it would be impossible to spend a lower amount each month why not set a goal to spend 5% less in a category than the month before? All these baby steps add up and after all, <a href="https://www.mrmoneymustache.com/2011/08/01/a-millionaire-is-made-ten-bucks-at-a-time/" rel="nofollow" target="_blank">a Millionaire is Made $10 at a time</a>.

Episode 96 - Budget with an Open Mind

I saw a statistic recently that well over half of the population doesn’t know what compound interest in. Join is as we break it down and explain it so the everyday person can understand it and understand how to harness the magic to build wealth!

I saw a statistic recently that well over half of the population doesn’t know what compound interest in. Join is as we break it down and explain it so the everyday person can understand it and understand how to harness the magic to build wealth!

Episode 81 - The Magic of Compound Interest

On this weeks episode we discuss how we invest during a market downturn and how we handle volatility with our investing strategy. 

On this weeks episode we discuss how we invest during a market downturn and how we handle volatility with our investing strategy.

Episode 119 - Investing During a Market Downturn

When you look at the average person down the street you probably would never think they are the millionaire right? Surely that’s the person driving a fancy car and living in the bigger house right? Well typically that’s wrong! Usually it’s the frugal badasses that make less but save better than become wealthy while those that make a large income but spend it all on appearing rich never see their net worth grow. *I was thinking of Jay Leno by the way but the car example was the wrong one to use. Here’s that article: https://www.cnbc.com/2017/03/16/jay-lenos-brilliant-money-saving-strategy-is-something-anyone-can-try.htmlSo probably my brain merged in this article where Jay Leno is mentioned:https://www.hotcars.com/15-filthy-rich-celebrities-who-drive-garbage-cars/

When you look at the average person down the street you probably would never think they are the millionaire right? Surely that’s the person driving a fancy car and living in the bigger house right? Well typically that’s wrong! Usually it’s the frugal badasses that make less but save better than become wealthy while those that make a large income but spend it all on appearing rich never see their net worth grow. *I was thinking of Jay Leno by the way but the car example was the wrong one to use. Here’s that article: <a href="https://www.cnbc.com/2017/03/16/jay-lenos-brilliant-money-saving-strategy-is-something-anyone-can-try.html" rel="nofollow" target="_blank">https://www.cnbc.com/2017/03/16/jay-lenos-brilliant-money-saving-strategy-is-something-anyone-can-try.html</a>So probably my brain merged in this article where Jay Leno is mentioned:<a href="https://www.hotcars.com/15-filthy-rich-celebrities-who-drive-garbage-cars/" rel="nofollow" target="_blank">https://www.hotcars.com/15-filthy-rich-celebrities-who-drive-garbage-cars/</a>

Episode 84 - Being Rich versus Being Wealthy

Today is the day, while we've talked about food quite a few times on the podcast we're dedicating a whole episode to it today! Tune in to hear how we were able to keep our grocery bill to a reasonable amount while eating delicious things!

Today is the day, while we've talked about food quite a few times on the podcast we're dedicating a whole episode to it today! Tune in to hear how we were able to keep our grocery bill to a reasonable amount while eating delicious things!

Episode 85 - How to Trim your Grocery Bill

Most of us that have 401k’s or IRA’s or even a taxable account will have something called a mutual fund. This is essentially just a collection of stock, which takes the guess work out of picking choosing stocks and sets us up on a path to success. However, if you ever take a step back and click on your 5-character ticker symbol your head might start spinning as you try to make sense of it all. On this weeks episode we open up a Fidelity fund and walk through what all the different information means - you’ll find similar information no matter who your service provider is, but if you want to follow along with us, here’s the fund we were looking at: https://fundresearch.fidelity.com/mutual-funds/analysis/315911693?documentType=QFR

Most of us that have 401k’s or IRA’s or even a taxable account will have something called a mutual fund. This is essentially just a collection of stock, which takes the guess work out of picking choosing stocks and sets us up on a path to success. However, if you ever take a step back and click on your 5-character ticker symbol your head might start spinning as you try to make sense of it all. On this weeks episode we open up a Fidelity fund and walk through what all the different information means - you’ll find similar information no matter who your service provider is, but if you want to follow along with us, here’s the fund we were looking at: <a href="https://fundresearch.fidelity.com/mutual-funds/analysis/315911693?documentType=QFR" rel="nofollow" target="_blank">https://fundresearch.fidelity.com/mutual-funds/analysis/315911693?documentType=QFR</a>

Episode 104 - Decoding Mutual Fund Information

We chat through the various emotions of budgeting and  prioritizing savings goals. So much of how we manage our finances becomes emotional but if we step back and think about things logically it's typically easier to find a solution.

We chat through the various emotions of budgeting and prioritizing savings goals. So much of how we manage our finances becomes emotional but if we step back and think about things logically it's typically easier to find a solution.

Episode 102 - Emotions of Spending Money

Frugality is a muscle but luckily it’s a muscle that fills your life with meaning and purpose. By choosing to focus on things that make you happy and only adding items to your life that bring meaning you reduce the amount of money you spend while increasing your overall happiness. It takes a while to change your mindset but once you do it’s a really powerful lesson that continue to reap benefits for years to come. 

Frugality is a muscle but luckily it’s a muscle that fills your life with meaning and purpose. By choosing to focus on things that make you happy and only adding items to your life that bring meaning you reduce the amount of money you spend while increasing your overall happiness. It takes a while to change your mindset but once you do it’s a really powerful lesson that continue to reap benefits for years to come.

Episode 106 - Finding the Joy in NOT Buying Things

Now that we’re heading into a new year it’s the perfect time to start thinking about setting annual savings goals! We offer some of our favorite tips on ways to save money and even if you only apply a few you could easily end up saving an extra $50 or $100 every month!

Now that we’re heading into a new year it’s the perfect time to start thinking about setting annual savings goals! We offer some of our favorite tips on ways to save money and even if you only apply a few you could easily end up saving an extra $50 or $100 every month!

Episode 68 - 10 Ways to Save $50

On this weeks episode we chat about various hobbies we have and how we keep the costs down. The key is to just get started with what you have and then slowly add nicer items to your collection as your hobby develops over time.

On this weeks episode we chat about various hobbies we have and how we keep the costs down. The key is to just get started with what you have and then slowly add nicer items to your collection as your hobby develops over time.

Episode 107 - Hobbies Don't Have to be Expensive

The best podcasts on investing. For anyone interested in the stories in the investing industry, whether it's an interview with Ray Dalio or Ed Thorp to the writer of The Big Short. This topic includes the most fascinating stories from all the best investors. Add episodes you're interested into your queue below!

Best Investing Podcasts

The best podcast episodes on global issues affecting everyone. Covering topics such as the #metoo movement, climate change, the impact of technology and some of the biggest global issues facing us right now. For anyone interested in learning more about the world, and some of the issues we're facing, pick an episode below and start listening! Add episodes you're interested into your queue below!